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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Affordable Care Act

Health Insurance for Individuals and Families

Experiencing a qualifying life event allows you to apply for Affordable Care Act (ACA) health insurance coverage outside of the annual ACA open enrollment period.

The ACA created a nationwide open enrollment period for on-marketplace plans (carriers are permitted to have different open enrollment periods for off-marketplace plans but with few exceptions most carriers follow the on-marketplace rules). For 2020 open enrollment on the Federal Facilitated Marketplace will run from November 1, 2019 through December 15, 2019 for a January 1, 2020 effective date.

During open enrollment anyone can purchase individual and family health insurance on their own.

However, if you experience a major life changing event (termed a "qualifying life event" under the law) you may be eligible to purchase a personal Obamacare plan outside of the ACA's open enrollment period.

What Are Some Qualifying Life Events?

Qualifying life events that may trigger a special enrollment period for yourself and your family outside of the ACA's open enrollment period include the following:

  • Marriage or divorce
  • The birth or adoption of a child
  • The loss of employer-based health insurance coverage
  • Moving to a new city outside your old plan’s coverage area
  • Changes in income (generally at least 20%) that affect your eligibility for a subsidy
  • Loss of Medicaid

Be aware that in most cases you will need to provide documentation showing that you experienced one of these (or other) qualifying life events and that you generally will have to show that you had continuous coverage (i.e. you were covered by some other plan for at least one day in the sixty days prior to the event).

How Long Will I Have To Enroll In A New Plan?

If you experience a qualifying life event, in most cases you will have a sixty-day window during which you can enroll in a new ACA health insurance plan and apply for an ACA subsidy if you meet the income criteria.

Missed the Affordable Care Act Open Enrollment Deadline?

  • Determine if you have a qualifying life event that permits you to enroll in an ACA plan. Note that regulations have been finalized and published that require (1) proof of occurrence and (2) also in most cases proof that you were covered by an ACA plan within 60 days of the event's occurrence
  • See if you qualify for a subsidy and receive an estimate of the amount

Enter the required information (as well as the optional information to receive a subsidy determination) and submit the quote  request form. We'll contact you to review premiums (less any subsidy), available plans, whether your doctor accepts the plan, and how your medications are covered.

OR

Click here for more information about Short-Term Health Insurance. A Short-Term Health Insurance policy can tide you over until the next January 1 ACA plan effective date (no qualifying life event is required during Open Enrollment). Short-Term Health Insurance plans can also be purchased with supplemental health plans like hospital indemnity, accident, critical illness, cancer, and gap insurance that may lessen your exposure to large medical expenses.

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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